Bank card "magnetic old change core" next month, composite card magnetic stripe transaction will be closed
- trainee newspaper reporter Liu Meng
Last year, the central bank issued the notice of the people's Bank of China on Further Strengthening the risk management of bank cards, referring to the magnetic stripe transaction function, which has been fully closed since May 1, 2017.
Now that the deadline is approaching, will the magnetic stripe transaction function of the composite card be closed?. How should I deal with the magnetic stripe cards and composite cards in the public purse? In response to these problems, the Securities Daily reporter recently visited a number of banking outlets in Beijing.
Since May, the composite card has no magnetic recognition"
In Beijing City, Chaoyang District CCB outlets, the staff told the "Securities Daily" reporter, last year the central bank issued the "notice" does give off chip composite magnetic stripe card magnetic stripe transaction function defines the term, recently there are a lot of people to consult the bank card magnetic stripe composite trading function is not to close, but the bank has not yet received notice to close the composite magnetic stripe of the card transaction function after May 1st. The staff also told this reporter that the current construction bank issued debit cards only composite card one, when to issue a single chip card, but also to wait for the head office unified arrangements.
Industrial and Commercial Bank of China at a certain point, the reporter also received a similar reply. However, ICBC staff told this reporter that the composite card magnetic stripe function closed, mainly for businesses. At the same time, the staff said that the cancellation of magnetic stripe trading function is only for the magnetic stripe chip composite card, magnetic stripe card users do not have to worry, still can be used normally.
At a bank in China, the staff said it had received notification that the "magnetic stripe" function of the composite card would be closed after "51", but the use of a separate magnetic stripe card was not affected.
It is understood that the current market circulation use of bank cards are divided into three types: only the pure magnetic stripe card (magnetic stripe card need to pay); only the financial IC card chip (need card payment or payment; the magnetic stripe and chip touch) are composite card (credit card, payment card, touch can).
According to the "Securities Daily" reporter visited the understanding, including the current construction bank, China Merchants Bank, Guangdong Development Bank, the number of banks issuing credit cards are composite card, Chinese bank, Minsheng Bank, industrial and commercial bank and other banks currently issued bank card for chip card.
Pure magnetic stripe cards should be replaced as soon as possible"
"Securities Daily" reporter visited a number of banks have said that because the magnetic stripe is easy to forge, very easy to be lawless cloning, fraudulent, and for information and property security, it is recommended that the magnetic stripe card users as soon as possible to replace the chip card. So, if you can keep the original card replacement card, charge fee and other expenses? This reporter visited a number of banks to understand the corresponding provisions. At present, most banks for "core" free, a bank fee charged 5 to 15 yuan; some banks can retain the original card number, but the customer needs to clear the counter staff request.
At a certain point of ICBC, the lobby manager told the Securities Daily that all magnetic stripe cards could be upgraded to chip cards free of charge, but only 62 cards could retain the original card number.
ABC 62 card at the beginning can retain the original card number, but need to work in 15 days to get the card, 9599 at the beginning of the ABC card, you can not retain the original card number.
China Merchants Bank staff said that the magnetic stripe card can be replaced free of charge for magnetic stripe chip composite card, if the customer retains the original card number of demand, you need special business card, and wait 7 to 10 working days.
However, not all banks can exchange cards. In China a branch bank staff said all the cards in card can retain the original card number, but most with the bank "signed" business will be automatically migrated to the new card, withholding and other part of the business you need to change at the counter. If the original bank card to repay the loan, you need to inform the loan department to change the repayment of the account. In addition, payment tools, such as three party accounts, need to be re linked.
In the "Securities Daily" reporter visited some banks, for "core" free of certain preferential time, some banks preferential time before December 31, 2017. Although the bank staff for security reasons, the public is advised to change cards as soon as possible, there are still many people expressed their temporary consideration.
"Securities Daily" reporter interviewed in the process of random interviews with some people in the banking business.
A young lady said, since the opening of online banking and mobile phone banking, coupled with the binding of the WeChat, Alipay, now basically does not go with the usual card, credit card functions are rarely used, and there is no necessity for the.
There are other people said that since the original magnetic stripe card can still be used normally, and some bank cards can not guarantee the number of cards, intends to normal use, the card expires, natural eliminated.